• You need health insurance. We can help.

    Navigating the Health Insurance Marketplace and finding an insurance plan that’s right for you

    No one plans to get sick or hurt, but everyone needs medical care at some point. Health insurance helps cover these costs and protects you from the high medical bills you might face if you have to see a specialist, have surgery or spend a few days in the hospital.

    What happens if I don’t have insurance?

    Don't risk paying a penalty for not having insurance.

    Most people must have health coverage in 2016 or pay a penalty. Those who don’t have coverage will pay an individual responsibility payment of either 2.5 percent of their income or $695 per adult ($347.50 per child) – whichever is higher – to the Internal Revenue Service.

    Visit the Health Insurance Marketplace

    The Health Insurance Marketplace is a new way to find health coverage that fits your budget and meets your needs. When you fill out the Marketplace application, you’ll know if you qualify for private medical insurance, Medicaid or the Children’s Health Insurance Program, also known as CHIP.

    Health insurance plans available through the Marketplace and elsewhere provide free preventive care, including vaccines, screenings and check-ups. They also cover some costs for the drugs your doctor prescribes.

    Read on to learn how our certified health insurance navigators can guide you through the Marketplace.

    What is the enrollment deadline?

    Marketplace open enrollment ends Jan. 31, 2016.

    If you enroll by Dec. 15, 2015, your coverage will begin Jan. 1. After Jan. 31, you will not be able to sign up until next year's open enrollment period, unless you experience certain life-changing events. 

    Life events that can qualify you for a special enrollment period include:

    • Marriage
    • Having a baby, adopting a child or placing a child for adoption or foster care
    • Moving, gaining citizenship or leaving incarceration
    • Losing other health coverage

    How can Wellmont help?

    Certified health insurance navigators are here for you.

    You don’t have to figure this out on your own. We want to help you understand your options and help you find a health insurance plan that fits your needs.

    Wellmont's certified health insurance navigators stand ready to help at three Northeast Tennessee and Southwest Virginia locations. We can:

    • Answer your insurance questions – by phone or in-person
    • Determine which insurance plans you're eligible for
    • Compare your health care coverage options, including benefits, rates, co-pays and deductibles
    • Help you sign up for a plan during the open enrollment period
    • Find Medicaid or CHIP assistance

    If you are a business owner, we can also help you with the Small Business Health Options Program (SHOP) Marketplace.

    Contact us today and get enrolled.

    Please call 1-877-421-0304 or email us at GetCovered@wellmont.org with any questions or to schedule an appointment.

    You can also enter your ZIP code below to find in-person assistance near you.

  • Important Dates


    • Nov. 1: Open Enrollment starts
    • Dec. 15: Last day to enroll or change plans for coverage to start Jan. 1, 2016


    • Jan. 1: 2016 coverage starts for those who enroll or change plans by Dec. 15
    • Jan. 15: Last day to enroll or change plans for coverage to start Feb. 1
    • Jan. 31: 2016 Open Enrollment ends